cred originations limited Company Information
Company Number
03012315
Website
gissaloan.comRegistered Address
15-19 cavendish place, 15-19 cavendish place, london, W1G 0DX
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
02073166325
Next Accounts Due
September 2025
Group Structure
View All
Shareholders
dr roger joel gewolb 100%
cred originations limited Estimated Valuation
Pomanda estimates the enterprise value of CRED ORIGINATIONS LIMITED at £316.8k based on a Turnover of £234.5k and 1.35x industry multiple (adjusted for size and gross margin).
cred originations limited Estimated Valuation
Pomanda estimates the enterprise value of CRED ORIGINATIONS LIMITED at £0 based on an EBITDA of £-4k and a 5.43x industry multiple (adjusted for size and gross margin).
cred originations limited Estimated Valuation
Pomanda estimates the enterprise value of CRED ORIGINATIONS LIMITED at £109.8k based on Net Assets of £54.7k and 2.01x industry multiple (adjusted for liquidity).
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Cred Originations Limited Overview
Cred Originations Limited is a live company located in london, W1G 0DX with a Companies House number of 03012315. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in January 1995, it's largest shareholder is dr roger joel gewolb with a 100% stake. Cred Originations Limited is a mature, micro sized company, Pomanda has estimated its turnover at £234.5k with healthy growth in recent years.
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Cred Originations Limited Health Check
Pomanda's financial health check has awarded Cred Originations Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 4 areas for improvement. Company Health Check FAQs
2 Strong
3 Regular
4 Weak
Size
annual sales of £234.5k, make it smaller than the average company (£5.5m)
- Cred Originations Limited
£5.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 12%, show it is growing at a faster rate (4.9%)
- Cred Originations Limited
4.9% - Industry AVG
Production
with a gross margin of 58.7%, this company has a comparable cost of product (58.7%)
- Cred Originations Limited
58.7% - Industry AVG
Profitability
an operating margin of -1.7% make it less profitable than the average company (9.1%)
- Cred Originations Limited
9.1% - Industry AVG
Employees
with 1 employees, this is below the industry average (16)
1 - Cred Originations Limited
16 - Industry AVG
Pay Structure
on an average salary of £84.1k, the company has an equivalent pay structure (£84.1k)
- Cred Originations Limited
£84.1k - Industry AVG
Efficiency
resulting in sales per employee of £234.5k, this is equally as efficient (£234.5k)
- Cred Originations Limited
£234.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Cred Originations Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Cred Originations Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Cred Originations Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (36 weeks)
0 weeks - Cred Originations Limited
36 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 46.1%, this is a lower level of debt than the average (58.5%)
46.1% - Cred Originations Limited
58.5% - Industry AVG
CRED ORIGINATIONS LIMITED financials
Cred Originations Limited's latest turnover from December 2023 is estimated at £234.5 thousand and the company has net assets of £54.7 thousand. According to their latest financial statements, Cred Originations Limited has 1 employee and maintains cash reserves of £130 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Turnover | |||||||||||||||
Other Income Or Grants | |||||||||||||||
Cost Of Sales | |||||||||||||||
Gross Profit | |||||||||||||||
Admin Expenses | |||||||||||||||
Operating Profit | |||||||||||||||
Interest Payable | |||||||||||||||
Interest Receivable | |||||||||||||||
Pre-Tax Profit | |||||||||||||||
Tax | |||||||||||||||
Profit After Tax | |||||||||||||||
Dividends Paid | |||||||||||||||
Retained Profit | |||||||||||||||
Employee Costs | |||||||||||||||
Number Of Employees | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | ||||||
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17,973 | 0 | 0 | 0 | 0 |
Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17,973 | 0 | 0 | 0 | 0 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 164,521 | 53,156 | 825 | 2,042 | 557 | 0 |
Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Misc Debtors | 101,301 | 101,291 | 77,434 | 52,284 | 29,327 | 18,291 | 29,164 | 31,892 | 98,171 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash | 130 | 176 | 778 | 249 | 1,231 | 613 | 1,764 | 391 | 52,758 | 17,254 | 14,928 | 9,580 | 3,134 | 4,611 | 5,146 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 101,431 | 101,467 | 78,212 | 52,533 | 30,558 | 18,904 | 30,928 | 32,283 | 150,929 | 181,775 | 68,084 | 10,405 | 5,176 | 5,168 | 5,146 |
total assets | 101,431 | 101,467 | 78,212 | 52,533 | 30,558 | 18,904 | 30,928 | 32,283 | 150,929 | 181,775 | 86,057 | 10,405 | 5,176 | 5,168 | 5,146 |
Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Creditors | 0 | 0 | 0 | 1,549 | 1,146 | 1,693 | 2,049 | 292 | 6,143 | 81,982 | 92,270 | 1,825 | 75 | 75 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other current liabilities | 46,704 | 42,734 | 39,014 | 31,409 | 23,587 | 11,609 | 23,259 | 27,522 | 138,826 | 0 | 0 | 0 | 0 | 0 | 0 |
total current liabilities | 46,704 | 42,734 | 39,014 | 32,958 | 24,733 | 13,302 | 25,308 | 27,814 | 144,969 | 81,982 | 92,270 | 1,825 | 75 | 75 | 0 |
loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total liabilities | 46,704 | 42,734 | 39,014 | 32,958 | 24,733 | 13,302 | 25,308 | 27,814 | 144,969 | 81,982 | 92,270 | 1,825 | 75 | 75 | 0 |
net assets | 54,727 | 58,733 | 39,198 | 19,575 | 5,825 | 5,602 | 5,620 | 4,469 | 5,960 | 99,793 | -6,213 | 8,580 | 5,101 | 5,093 | 5,146 |
total shareholders funds | 54,727 | 58,733 | 39,198 | 19,575 | 5,825 | 5,602 | 5,620 | 4,469 | 5,960 | 99,793 | -6,213 | 8,580 | 5,101 | 5,093 | 5,146 |
Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Activities | |||||||||||||||
Operating Profit | |||||||||||||||
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Tax | |||||||||||||||
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors | 10 | 23,857 | 25,150 | 22,957 | 11,036 | -10,873 | -2,728 | -66,279 | -66,350 | 93,392 | 70,304 | -1,217 | 1,485 | 557 | 0 |
Creditors | 0 | 0 | -1,549 | 403 | -547 | -356 | 1,757 | -5,851 | -75,839 | -10,288 | 90,445 | 1,750 | 0 | 75 | 0 |
Accruals and Deferred Income | 3,970 | 3,720 | 7,605 | 7,822 | 11,978 | -11,650 | -4,263 | -111,304 | 138,826 | 0 | 0 | 0 | 0 | 0 | 0 |
Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash flow from operations | |||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
share issue | |||||||||||||||
interest | |||||||||||||||
cash flow from financing | |||||||||||||||
cash and cash equivalents | |||||||||||||||
cash | -46 | -602 | 529 | -982 | 618 | -1,151 | 1,373 | -52,367 | 35,504 | 2,326 | 5,348 | 6,446 | -1,477 | -535 | 5,146 |
overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | -46 | -602 | 529 | -982 | 618 | -1,151 | 1,373 | -52,367 | 35,504 | 2,326 | 5,348 | 6,446 | -1,477 | -535 | 5,146 |
cred originations limited Credit Report and Business Information
Cred Originations Limited Competitor Analysis
Perform a competitor analysis for cred originations limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in W1G area or any other competitors across 12 key performance metrics.
cred originations limited Ownership
CRED ORIGINATIONS LIMITED group structure
Cred Originations Limited has no subsidiary companies.
Ultimate parent company
CRED ORIGINATIONS LIMITED
03012315
cred originations limited directors
Cred Originations Limited currently has 2 directors. The longest serving directors include Dr Roger Gewolb (Nov 1995) and Mr James Hubbard (May 2024).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Dr Roger Gewolb | 81 years | Nov 1995 | - | Director | |
Mr James Hubbard | United Kingdom | 41 years | May 2024 | - | Director |
P&L
December 2023turnover
234.5k
+4%
operating profit
-4k
0%
gross margin
58.8%
-5.14%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
54.7k
-0.07%
total assets
101.4k
0%
cash
130
-0.26%
net assets
Total assets minus all liabilities
cred originations limited company details
company number
03012315
Type
Private limited with Share Capital
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
January 1995
age
29
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
car loan originations limited (September 2023)
the car loan company limited (January 2005)
See moreaccountant
-
auditor
-
address
15-19 cavendish place, 15-19 cavendish place, london, W1G 0DX
Bank
-
Legal Advisor
-
cred originations limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to cred originations limited.
cred originations limited Companies House Filings - See Documents
date | description | view/download |
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